There is always a way to find a bargain, no matter what you are looking for. If you dig a little deeper, you may find that you can get exactly what you are looking for, but for a fraction of the price.

Take a look at the items below to see how you could be saving more on every day items.

Accommodation
 There are a number of websites which offer special accommodation deals, especially for last minute bookings. Some include lastminute.com.au or wotif.com.
But remember, some hotels may increase their prices significantly if it is a long weekend, holiday season or there is a special event on in the area. So, if you do wish to go away during the holiday season or are heading to a special event, it will pay to book early.

Gifts
How much money do you spend on presents each year? Last year, it was reported that Australians were set to spend more than $7.9 billion on Christmas gifts. Although you shop for your friends and family with the best intentions, a large number of these presents end up being resold by the recipient. According to a Galaxy Research survey, around 1.7 million Australians are expected to sell their unwanted gifts online this year. 
So, even if you want to buy your loved ones a high quality present, make sure you think about whether they will actually like the present.

Bank account fees
According to the Pocketbook Consumer Spending Series Report, Australians are spending an average of $328.50 a year on avoidable bank fees and result in many households having to cut back on other expenses.

One of the most common fees banks charge is the overdrawn account fee. Being aware of how much you have in your account and what automatic payments withdraw money from your account is essential to avoid this fee. Don’t forget to regularly compare your current bank with other financial institutions to see if there is a more competitive option available.

Home loans
If you have had your home loan for a while now, you may find there are more competitive options available. It is important to regularly compare your current mortgage with other products on the market to see if you could be saving money on interest and fees.

Restaurants
You do not have to spend a fortune on a night out or go to 2 star restaurants in order to save money. There are several daily deal sites which offer special discounts for restaurants. Some of these websites include Living Social and Groupon. Although with some deals you are limited to a selected menu, you can still save a significant amount of money and still enjoy a night out.

Air fares
There are plenty of simple ways to find cheaper flights online. Websites such as Webjet and Wotif compare a number of different airlines in the one place. Jetstar also often has flash sales where they sell flights for as little as $9. However, you will need to be regularly checking the website for sales as they are not always advertised greatly and will also need to be wary of the extra add ons that can end up costing you a lot more and outweigh the benefit of the cheaper flight.

It can be confusing to know whether to get a variable rate or fixed rate mortgage, and what features are important. That's why it's important to not only check the right rates, but make sure that you're getting the right features in your home loan. Get help choosing the right home loan

Anouska Linz

Anouska Linz is Manager, Online Sales at State Custodians and has over 10 years’ experience in financial services, both in broking and banking. Holding a bachelors degree in accounting, Anouska quickly discovered a love for mortgage lending and assisting people to achieve their home ownership goals. She leads a team of highly experienced lending specialists who are passionate about finding lending solutions which result in real wins for the customer. She is also a massive netball fan.

For more information on our home loans, visit www.statecustodians.com.au or call 13 72 62.